| | | | |
|
| Irving | | Make sure you have a new policy in | | Public Adjuster: An insurance adjuster |
| Rockville | | place before you cancel your old one | | who represents an insured on a fee |
| Baltimore | | to avoid a lapse in coverage. This will | | basis in claims settlement. Contrast |
| San Jose | | also prevent having to figure out the | | with Independent Adjuster. |
| Burbank | | amount of any unused premium that is | | |
| South Bend | | due to you from your old insurance | | Premises: The particular location of |
| Longwood | | company, or having to spar with your | | property or a portion thereof as |
| Alameda | | agent about exactly when your policy | | designated in a policy. |
| Daytona Beach | | was cancelled and how much they | | |
| Chandler | | owe you. | | Cut Rate: This term generally applies |
| Toledo | | | | to insurance companies who charge |
| Grand Prairie | | Life insurance, specifically Term Life, | | premiums below a normal or average |
| Albany | | is arguably one of the best values in | | rate. |
| Fort Worth | | the entire financial services arena. | | |
| Tucson | | Where else can you go and get | | Exclusions: Specific situations, |
| Columbus | | hundreds of thousands of dollars in | | conditions, or circumstances that are |
| Lancaster | | protection for literally pennies per | | listed in the contract as being not |
| Cambridge | | day? Rates for Term Life insurance | | covered. |
| Athens | | remain at all-time lows, and now is the | | |
| Torrance | | time to lock in the best prices. | | Burning Ratio: The ratio of losses |
| Santa Barbara | | | | suffered to the amount of insurance in |
| Williamsport | | The best time to switch policies is | | effect. |
| Goldsboro | | within one month of receiving your | | |
| Oakland | | policy renewal from your current | | Exclusion: A contractual provision that |
| Roanoke | | insurer. You can typically cancel your | | denies coverage for certain perils, |
| Overland Park | | policy without any fees or penalties if | | persons, property, or locations. |
| Quincy | | you act within this time period. | | |
| Nashville | | | | Incurred Expense: Expenses not yet |
| Long Beach | | The quickest and easiest way to | | paid. Can also include paid |
| Union | | shop for new insurance is by | | expenses in some accounting |
| Plano | | comparing rates at InsWebs online | | systems. |
| Sioux Falls | | marketplace. If you do it the | | |
| Poughkeepsie | | old-fashioned way (by calling or | | Nonassignable: A policy that the |
| Bay City | | visiting multiple agents or insurance | | owner cannot assign to a third party. |
| New Port Richey | | companies) it could take up a huge | | Most policies are nonassignable |
| Morristown | | chunk of your time, which no one | | unless approval is given by the |
| Charleston | | wants or needs. By completing | | insurer. |
| Roanoke | | InsWebs online application, you will | | |
| Palm Harbor | | have rates to compare to your old | | |
| Portland | | ones within minutes! | | |
